If you’re considering cosmetic surgery, you’re likely aware of the cost that comes along with these services. Cosmetic procedures can be expensive, but many people choose to finance their surgeries. What if you have bad credit?
The good news is that you can still get a cosmetic surgery loan despite having a less than great credit standing. Why? It is because there are still a few lenders that offer cosmetic surgery loans for people with bad credit and we’ve listed the top 12 lenders.
Avant
Avant is a great option for those with bad credit who are looking for a cosmetic surgery loan. They offer loans ranging from $2,000 to $35,000, and you can choose a repayment term of 24 to 60 months. They have an easy online application process and you can get your money as soon as the next business day.
APR: 9.95 to 35.99%
Pros:
- Fast funding.
- Soft inquiry pre-qualification.
- Great mobile app for online application and loan monitoring.
- You can change your due date as many times as you need.
- There’s no extra fee for prepayment.
- APR: 9.95 to 35.99%
Cons:
- They charge origination and late payment fees.
OneMain Financial
OneMain Financial is another top pick for individuals with bad credit. They offer personal loans ranging from $1,500 to $20,000 that can be used for cosmetic surgery procedures. Their online application process is very user-friendly, and you can get your money as soon as the next business day. OneMain Financial also has over 1,600 branches in 44 states, so you can always visit a branch if you have any questions.
APR: 18 to 35.99%
Pros:
- All types of credit are accepted.
- Secured loans are available.
- Payment dates are highly flexible.
- Online applications can be completed via mobile app.
- Fast funding in as early as one day.
Cons:
- They also charge an origination fee.
- High APR
Lending Tree
Lending Tree is an online lending marketplace that offers a variety of loan products, including cosmetic surgery loans. They’ve been operating since 1998 and are considered to be one of the oldest lender marketplaces in the USA. Loan offers can range from $1,000 to $50,000 with terms of 24 to 60 months. Their online application process is very simple and straightforward, and you can get multiple loan offers within minutes. If you’re looking to build up your credit, this may be a solid option for you.
APR: 5.99 to 35.99%
Pros:
- They only do soft credit checks.
- They work with leading lenders in the country.
- High maximum loan amount.
- They have over 320 lending partners.
- The loan application can be completed online and is very simple.
Cons:
- Receiving marketing material or communication from lenders is a part of the loan application requirements.
Upstart
Upstart is a great option for individuals with bad credit who are looking for a personal loan to finance their cosmetic surgery. They offer loans ranging from $1,000 to $50,000 with terms of 3 or 5 years. Their online application process is very user-friendly and you can get your money as soon as the next business day.
APR: 6.95 to 35.99%
Pros:
- It uses a unique credit decision that utilizes AI or artificial intelligence to come up with a credit decision instead of solely relying on applicants’ credit scores.
- Soft credit check.
- A good option for consolidating loans.
- 24-hour funding
- Payment due date changes are allowed.
Cons:
- Secured loans are not available.
- Charges origination fee.
5K Funds Card
The 5K Funds Card is another great marketplace that we highly recommend for individuals struggling with low credit score but who is in need of personal loans to finance their cosmetic surgery.
Loan offers from this marketplace range from $500 to $5,000 with terms of 12 to 36 months. Their online application process is very user-friendly, simple, and very accommodating.
APR: 5.99 to 35.99%
Pros:
- All types of credit are accepted.
- Service is free to use.
- The lender decides whether an origination fee is charged.
- Soft credit pull.
- Straightforward loan application.
- Short loan terms are available. As short as 61 days.
Cons:
- Although 5K Funds Card is a reliable lenders marketplace, the most common complaint from users is their poor customer service.
- Available only for US citizens.
ZippyLoan
ZippyLoan is an online lending platform that offers a wide range of loan products, including cosmetic surgery loans. They specialize in helping individuals find fast personal loans even with a less than perfect credit score, so don’t be afraid to check your rates. They offer loans ranging from $100 to $15,000 with terms of 3 to 36 months. Their online application process is quick and easy, and you can get your money as soon as tomorrow as their website says.
APR: 5.99 to 35.99%
Pros:
- All types of credit are accepted.
- Secured and unsecured loans are available.
- The payment date can be changed to suit your needs.
- Their mobile app works really great.
- Fast funding.
Cons:
- High APR from lenders.
- Origination fees are usually charged by lenders.
FreedomPlus
FreedomPlus is another online platform that offers a wide range of personal loans, including cosmetic surgery loans. They’ve been in operation since 2014 and have helped over 250,000 customers with their financial needs. They offer loans ranging from $10,000 to $40,000 with terms of 24 to 60 months which is considered relatively high, especially for individuals struggling with too much credit card debt. Their application process is very simple and straightforward, and you can get your money as soon as 24 hours.
APR: 7.99% to 29.99%
Pros:
- No prepayment penalty.
- A wide range of loan products is available.
- Consolidation of high-interest debt is possible.
- Free credit score monitoring is offered.
- A direct pay discount is available.
- They offer debt consolidation help.
- Outstanding customer service.
Cons:
- Autopay discount is currently not available.
- High minimum loan amount. Although not really a downside, this means that you are obliged to meet their loan amount even if it’s more than what you need.
AmOne
AmOne is a financial matchmaking service that offers free consultations to help individuals with bad credit find the right loan products for their unique financial needs, including cosmetic surgery loans. They offer loans ranging from $1,000 to $50,000 with terms of 2 to 7 years. Their online application process is quick and easy, and you can get pre-qualified in just a few minutes.
APR: 6.78% and up.
Pros:
- All types of credit are accepted.
- Free consultation with financial matchmakers.
- A wide range of loan products is available.
- Consolidation of high-interest debt is possible.
- They have an A+ rating with the Better Business Bureau.
- Low minimum loan amount.
Cons:
- Not all states are eligible.
- Only available for U.S. citizens and residents.
- You have to call them to get started with the application process.
- They are also not very transparent when it comes to the loans that it facilitates. Although, you’ll receive all the information you need about your loan once you qualify.
LendYou
LendYou is an online platform that offers a wide range of personal loan products, including cosmetic surgery loans. They specialize in helping individuals find fast cash loans regardless of their credit score. Additionally, this platform also works with some payday lenders which means you could get an unsecured loan even if you have a low credit score. They offer loans ranging from $100 to $15,000 with terms of 3 to 36 months.
APR: 6.63 to 485%
Pros:
- All credit scores are accepted.
- Accredited by Online Lender Alliance (OLA).
- Straightforward application and fast funding.
- Payday loans are available.
Cons:
- They may do a hard credit check which not all online lending marketplace do.
- You may receive unwanted marketing emails from lenders.
CashUSA
CashUSA is an online lending marketplace that connects individuals with lenders who offer personal loans, including cosmetic surgery loans. They specialize in helping people with bad credit find the right loan products for their unique financial situation. They offer loans ranging from $500 to $10,000 with terms of 3 to 72 months.
APR: 5.99% and 35.99%
Pros:
- All types of credit are accepted.
- The loan application is free.
- Their customer service is reachable 24/7.
- High loanable amount.
- They work with lenders across all US states.
- The loan application process is quick and simple.
Cons:
- High-interest rates.
BadCreditLoans
It can be discouraging if you’re struggling with poor credit but need some cosmetic procedure done. Well, the good news is that BadCreditLoans is a third-party online platform that connects borrowers with lenders so they can get fast personal loans to finance expenses like cosmetic surgeries. This platform has been in the business of helping borrowers since 1998 and is trusted by millions of Americans worldwide.
APR: 5.99% and 35.99%
Pros:
- Accepts all types of credit.
- Soft credit pull.
- Well-known for its transparency so you’ll get no surprises along the way, especially when it comes to interest rates.
- Zero application fees.
- Customer service is exceptional and available 24/7.
- User-friendly website and application process.
Cons:
- A lot of background information is necessary for the application form which can be overwhelming and pretty time-consuming.
PersonalLoans
PersonalLoans is an online lending marketplace founded in 2001. They’ve been in the business of helping individuals with bad credit find loans for a variety of expenses, including cosmetic surgery. You can apply for a loan ranging from $1000 to $35,000 with terms of 3 to 72 months.
APR: 5.99% and 35.99%
Pros:
- All types of credit are accepted, even terrible ones.
- A good list of trustworthy lenders.
- No hidden costs.
- Affordable monthly installments.
- Quick application and fast funding.
- Available in all 50 states.
Cons:
- You are required to provide a lot of personal information during the application process.
There are a number of lenders who offer loans for cosmetic surgery procedures, even if you have bad credit. So don’t worry-you still have options available to you. We’ve listed some of the best lenders for bad credit cosmetic surgery loans, so be sure to check them out. And remember, always read the terms and conditions before signing any contract. Best of luck!
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